Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 112,373,000 | 114,703,000 | 109,855,000 | 106,841,000 |
| Total loans | 72,546,000 | 73,301,000 | 72,288,000 | 69,087,000 |
| Allowance for loan losses | 913,000 | 932,000 | 951,000 | 969,000 |
| Securities available for sale | 37,061,000 | 36,696,000 | 34,248,000 | 34,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,824,000 | 78,313,000 | 78,656,000 | 74,957,000 |
| Interest-bearing deposits | 67,738,000 | 68,878,000 | 68,676,000 | 65,820,000 |
| Noninterest-bearing deposits | 9,086,000 | 9,435,000 | 9,980,000 | 9,137,000 |
| Equity capital | 18,017,000 | 18,663,000 | 19,240,000 | 19,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,578,000 | 3,872,000 | 5,113,000 |
| Interest expense | 353,000 | 731,000 | 1,085,000 | 1,414,000 |
| Net interest income | 923,000 | 1,847,000 | 2,787,000 | 3,699,000 |
| Noninterest income | 37,000 | 74,000 | 109,000 | 139,000 |
| Noninterest expense | 432,000 | 888,000 | 1,324,000 | 2,024,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 541,000 | 1,048,000 | 1,569,000 | 1,792,000 |
| Income tax | 94,000 | 181,000 | 275,000 | 293,000 |
| Net income | 447,000 | 867,000 | 1,294,000 | 1,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,592,000 | 18,012,000 | 18,439,000 | 18,540,000 |
| Total capital | 18,505,000 | 18,944,000 | 19,390,000 | 19,509,000 |
| Risk-weighted assets | 95,413,000 | 97,218,000 | 95,620,000 | 92,806,000 |